Privacy Policy

Spendbot was created to help our users. This Privacy Policy explains how we protect your personal information. In addition to this Privacy Policy, our Terms of Service
document the general rules and policies governing the use of Spendbot, available by clicking on the following link: Terms of Service

By using Spendbot and/or providing us your personal information, you signify your consent to this Privacy Policy. If you do not agree with any term in this Privacy Policy,
please do not provide us your personal information.

Spendbot servers are located in the United States, and matters related to this policy are governed by the laws of the state of Illinois.

How we use your information.

We use and disclose your personal information only as follows:

to analyze website usage and improve the Spendbot platform;

to deliver to you required messages for your use of Spendbot;

to provide the Spendbot platform services;

detecting and protecting against errors, fraud, or other criminal activity;

to affect our Terms of Service and as otherwise set forth in this Privacy Policy.

We do not and will not transfer your personal information to any other party, for any reason, at any time, unless you specifically authorize us to do so for the purposes of making payments,
obtaining and using a debit or pre-paid card, or saving money per your Spend Plan. Prior to the transfer of any information we will request and require you to authorize each specific transfer
to any banking, payments, or savings partner.

We limit the information we collect.

Spendbot may collect the following categories of personal information about you through the website:

Registration Information: In order to save your budget information, you will be asked for basic registration information, such as an email address and password. The password is encrypted in our database so no one can see it except you.

Identification Information: You may also be asked to provide identification information to confirm your identity, including your first and last name, zip code and phone number.

Payment Account Information: For our payments services, you will be asked for additional information such as drivers license number, green card number, social security number, billing account numbers, and any passwords required to automatically access your balance to make payments.

Information from Third Party Sites: In order to display information to you through a Service, we may collect, on your behalf, your account and other personal information from Third Party Sites that you register under your account via the Service.

If you use our mobile application we may collect the IP address, unique identifier of the device, operating system version, time, location, and app version for the purpose of providing you with our services.

We protect the information we collect.

We take very seriously the privacy of your personal information. We use firewall barriers, SSL minimum 128-bit encryption techniques, and authentication procedures, among others, to maintain the security of your online session and to protect Spendbot accounts and systems from unauthorized access. We may also place cookies and similar files on your hard drive for purposes such as security, to facilitate site navigation, and to personalize your experience on our Site. Our cookies do not identify you by name as an individual or by account number except as described in this Privacy Policy. See the "How we use cookies" section below for more information.

How we use the information we collect:

We may use the information you provide about yourself and about your Third Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you.

In order to allow you to use certain Services, we may be required to verify your identity through telephone or in person contact. We may also use your information to verify your identity in the event you contact us for assistance with the website or Services.

In connection with the payment services, we may use information you provide on your funding accounts to complete transactions you request via the services, to verify the existence and condition of your funding accounts, or to assist with the posting of a payment with a payee. We may use information you provide regarding a payee if you ask us to assist with posting of a payment at such payee.

We may use your information to pre-fill form fields on the website for your convenience.

We may use the checking account and credit card information you provide to confirm your accounts are valid and to access funds from your accounts pursuant to your instructions in connection with our services or in connection with payment for Services that you subscribe to.

We may use the information you provide to make bill payments on your behalf if you participate in our services. For example, if you use our services, we will use the information you provide us regarding a third party that you receive bills from to verify the validity of your account with that biller and to route payments to that biller pursuant to your instructions, and we will use your payment account details to access the funds in your specified payment account in order to pay the bills that you request be paid to such biller.

We may use your payment account information to recommend the best payment source. For example, we may recommend that you use a specific credit card to pay a given bill because that card has the lowest APR.

We may use information you provide about Third Party website to provide the Services, which may include accessing the Third Party Sites you select on your behalf, so that we can present the requested information to you.

In certain situations, we may use or share your personal information:

to respond to subpoenas, court orders, or legal process;

in order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, website or Services;

to respond to claims that any posting or other content violates the rights of third parties;

in an emergency, to protect the health and safety of our websites' users or the general public; or

as otherwise required by law.

We may outsource some tasks to affiliated companies or third parties and may share your information with those companies or third parties if reasonably necessary to enable them to assist in fulfilling the requests you make or the transactions you conduct via the website, including the operation of certain website functions and Services that require access to information you supply online. In such cases, if such affiliated companies or third parties acting on our behalf are given access to the information you have supplied to us, we require that the companies abide by our privacy policy and institute safeguards to protect the confidentiality of your information.

We may use your information for internal analysis such as analyzing user behavior in aggregate for research and marketing purposes. Spendbot may also aggregate transaction data and disclose such data only in aggregate and in a non-personally identifiable manner to third parties for marketing and promotional purposes (e.g., how many users responded to a particular offer). Aggregated information does not identify you individually.

When you visit our website, we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.

When you use the mobile versions of our website, we may collect the Device ID assigned to that specific device by phone makers, carriers, or makers of the operating system. Device IDs allow us to uniquely identify your device for purposes of storing application preferences and other data. We may use your Device ID for security purposes, to monitor suspicious activity, or to determine appropriate advertisements to display to you.

Any feedback or questions that you send to Spendbot will be treated as being non- confidential unless it involves your confidential data. In any case, Spendbot will be free to use such information to improve or augment our services.

If our company or our assets are acquired by any third party or parties, we may transfer, sell, or assign to third parties information concerning your relationship with us, including, without limitation, personally identifiable information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our website and such third parties will assume the rights and obligations regarding such information as described in this Privacy Policy.

Emails from which you may "Opt-Out":

Spendbot complies with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003. Spendbot provides users periodic website-related notifications, newsletters, or other information via email. Users may elect to stop receiving such messages at their discretion. If you no longer wish to receive periodic email updates from Spendbot, you may update your account preferences on the website. You may also follow the unsubscribe instructions included in each promotional email. However, please note that certain Services-related email messages that we send users are necessary for the proper functioning and use of the Services, and users who participate in such Services do not have the ability to opt-out of such email messages.

Collection of information by third parties and sponsors:

In certain cases, you may be directed to a third party site to provide information to complete a transaction in connection with one of our website (e.g., to purchase a subscription to a Service). In such cases, any information you provide to such third party sites directly to such third party will be subject to the applicable third party's privacy policy and terms of service. For example, for iPhone and iPad users of our services, subscriptions to the services are available as an in-app purchase through the Spendbot Money & Bills app, and such purchases are subject to Apple's applicable terms and conditions and privacy policy. For Android users of our services, subscriptions to the services are available via Plimus (or its successors or assigns), and such purchases are subject to Plimus's (or its successors' or assigns') applicable terms and conditions and privacy policy.

Additionally, the website may contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices, as we have no control over information that is submitted to, or collected by, these third parties.

The website may contain third party advertisements or offers that are complementary to your use of Spendbot that may be custom matched to you based on information you provided to the Site, queries made through the Site or other information. If you choose to use these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate their practices before deciding to use their services.

Spendbot does not control and cannot be responsible for what third parties do in connection with their websites or how they handle your personal information. Please consult the privacy policies posted by each third party, and notify Spendbot of any issues. Spendbot will attempt to do business only with companies that respect our subscribers' personal information and privacy rights.

We may use third party service providers to help us analyze certain online activities. We do not share any personally identifiable information about our users with these third parties, and these third parties do not collect such information on our behalf.

Additionally we may utilize third party ad serving networks and their associated tracking functionality to deliver more targeted advertising to our users and to optimize customer acquisition efforts.

How we use cookies:

To enhance your experience with our website, many of our pages use "cookies." Cookies are text files that are placed on your computer to store your preferences or for other record-keeping purposes. Cookies and other user tracking mechanisms (e.g., local shared objects), by themselves, do not tell us your email address or other personally identifiable information unless you choose to provide this information to us by, for example, registering at our Site. However, once you choose to furnish us with personally identifiable information, this information may be linked to the data stored in the cookie or other tracking mechanism. We may use cookies and other user tracking mechanisms, including "persistent cookies", which will remain on your computer even after you close your browser, to understand Site usage and to improve the content and offerings on our website. For example, we may use cookies to personalize your experience at our Site (e.g., to recognize you by name when you return to our Site), and to save your password in password-protected areas. We also may use cookies to offer you products, programs, or services. While most browsers are set to accept cookies and other tracking devices by default, you can set yours to refuse tracking devices or to alert you before accepting them. However, by disabling tracking devices, you may not have access to the entire set of features of our website. Your browser manufacturer has information on changing the default setting for your specific browser.

Spendbot may use standard Internet technology, such as web beacons and similar technologies, to track your use of the Site or to track your response to email messages that we send you in connection with the website or Services. Web beacons (sometimes called transparent GIFs, clear GIFs, or web bugs) are small strings of code that provide a way for us to deliver a small graphic image (usually invisible) on a web page or in an email. Web beacons can recognize certain types of information on your computer such as cookies, the time and date a page is viewed, and a description of the page where the web beacon is placed. Spendbot may use web beacons to improve your experience on the Site, including to provide you with content customized to your interests and to understand whether users read email messages and click on links contained within those messages so that the Site can deliver relevant content. Our web beacons may collect some contact information (for example, the email address associated with an email message that contains a web beacon). The website also may include third-party web beacons so that these third parties may receive auditing, research, and reporting information about advertisements viewed on the Site.

We use analytics software to allow us to better understand the functionality of our Mobile Applications on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from.

No guarantees:

While this Privacy Statement expresses Spendbot's standards for protection of personally identifiable information, Spendbot is not in a position to guarantee that the standards will always be met. There may be factors beyond our control that may result in unintentional disclosure of data. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security and are not responsible for the theft, destruction, or inadvertent disclosure of your personally identifiable information.

In the unfortunate event that your "personally identifiable information" (as the term or similar terms are defined by any applicable law requiring notice upon a security breach) is compromised, we may notify you by email (at our sole and absolute discretion) to the last email address you have provided us in the most expedient time reasonable under the circumstances; provided, however, delays in notification may occur while we take necessary measures to determine the scope of the breach and restore reasonable integrity to the system as well as for the legitimate needs of law enforcement if notification would impede a criminal investigation.

Ownership of data and changes to your personal information:

Your data belongs to you, and you can remove it anytime you want. To cancel your Spendbot account and delete all account information associated with your account, log in to your account at www.spendbot.com, click "Settings" then click "Delete My Account". If you ask us to delete your account, we will use commercially reasonable efforts to remove your data from our servers. Despite such removal, portions of your data may remain on our production and back-up servers indefinitely.

If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information via your user account. Alternatively, you can send an email that includes your contact information to privacy@spendbot.com to request any corrections to your personal information.

Public forums:

We may offer a message board where you and other users of our website can communicate. Any personally identifiable information you submit on a forum, blog, message board, or chat room on one of these websites can be viewed and used by other users, and could be used to send you unsolicited messages. The protections described in this Privacy Policy do not apply when you provide information (including personal information) in connection with your use of these public forums. We may use personally identifiable and non-personal information about you to identify you with a posting in a public forum. Any information you share in a public forum is public information and may be seen or collected by anyone, including third parties that do not adhere to this Privacy Policy. We are not responsible for events arising from the distribution of any information you choose to publicly post or share through our website.

Children:

The features, services, and other aspects of our website requiring the submission of personally identifiable information are not intended for anyone under 18 years of age. We do not knowingly collect personally identifiable information from children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personally identifiable information to us please contact us at privacy@spendbot.com.

Your California privacy rights:

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to privacy@spendbot.com. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.

Changes to this Privacy Policy:

We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges. We reserve the right, at our discretion, to make changes to this Privacy Policy from time to time, so please review it frequently. You may review updates to our Terms of Service and Privacy Policy at any time via links onwww.spendbot.com. You agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on www.spendbot.com and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy. If we make material changes to this Privacy Policy, we will notify you here, by email or by posting a notice on our home page.

Got questions?

If you have questions or concerns regarding this statement, or if you have any questions or suggestions, you should first contact privacy@spendbot.com.

For more information:

The Federal Trade Commission offers an overview of privacy protection.